Re: Removal dates
hello all, i have a couple question. I was wondering i owed one credit card and it have a bad report with the OC and it was charged off so i have another bad marks on my CR with a CA also, and the collection agency sold it to another CA, how do i caculate the time frame it will fall off, do i caculate when the first DOFD with the OC
Categories: Rebuilding Credit Tags: bad-report, collection, credit, Credit Card, credit-reports, does-the-bad, passed-does, remove-the-bad, time, time-frame
PLEASE HELP ME–Questions & my CR posted in here!
Hello! I'm new here and am hoping for your expertise and knowledge to point me in the ritght direction. I just did this post and it was long but it never posted, SO I will keep this short as possible. =) Not using excuses or anything like that. I am embarrassed to show my CR but I need HELP. In the past, obviously poor choices my with my money and credit, didn't really leearn to budget at all until I married my husband. My parents are in the same financial situation and never really taught me how to use my money. However, I am an adult so I take full responsibilty for my poor habits and bad credit. EQ score is 608, haven't gotten my TU score yet. I have obtained a EX &EQ CR. I have 2 unpaid collections. 1 shows $107 collection and the other shows $55 collection. I am paying these off this month. My UTIL is 9% revolving and 91% installments. I have paid off one of m capital one cards have paid the other capital one down and only has a $75 balance. My CR is listed below and I also have listed some questions. I appreciate your time in reading this and helping me out! 1) Since I have paid my only 2 credit cards this week, I am moving onto collections. These will be paid by the end of the month. I want to delete these off of my CR. Should I send a GW letter with my payment or wait until payment is received then send a GW letter? 2) Do I send a GW letter to the closed, open or both regarding baddies
Categories: Rebuilding Credit Tags: 107-collection, both-regarding, expertise, loans, money, month, more-questions, never-followed, paid-off-one, payment, payment-or-wait, students-loans, time
Categories: Rebuilding Credit Tags: account, credit, credit-report, investigation, long-standing, really-not, the-account, time, upon-settling
Need help with Chase Bank charge off
Back in 2006 my husband became disabled and needed a double lung transpalnt. Since he made more then half the income to our house and it was suddenly taken away from us our credit went down the tubes. It took me a long time but I managed to pay off the credit card debt we had at the time or so I thought. I was looking at my credit score and saw a charge off from Chase Bank. I'm confused because I don't know how to read the report but it says it was originally charged off in June of 2006 but then in March of 07 it goes back to 180 days late then stays that way until another charge off was reported in March of 09. It has a zero balance and the activity shows paid and closed and under the comments it states paid for less then full balance and account charged off. I tried calling Chase but the department I need to talk to is closed until Monday. I'm trying to figure out if I still owe a balance on this debt and how can I get the charge off removed from my report or if I'm sol? Can anyone help me?
Categories: Rebuilding Credit Tags: account-charged, activity, charge, credit, Credit Score, department, down-the-tubes, half-the-income, house, income, read-the-report, report, time
Please help to explain Private Student Loan Charge-Offs on my credit report
I went to school and graduated in 2003. Then went to school for a bit at a different school (about one semester in fall of 2003). I only remember taking out two different loans
Categories: Student Loans Tags: agreed, blank, credit, funds, loans, paid-or-being, pays-as-agreed, sallie, score, Student Loans, time, usa
592 and waiting please help!
I have 7 accounts that all show the first late from 11/03 to 01/04. I also have a recent charge off for a co-signed car, which did not change my score at all. I have 1 CC with 9000 limit and 4200 bal. My question is should I spend my time on these 7 accounts or would paying down my CC benefit me more? I want to get my score above 620- it is now 592.
Categories: Rebuilding Credit Tags: co-signed-car, not-change, recent-charge, score, show-the-first, the-first, time
Best Plan of Action
Hi Guys, When I was younger (just out of high school) I made some stupid mistakes by thinking that since I had a nice job that paid well I should drive fancy cars and spend like crazy. Needless to say I got myself into some debt collection issues and finally a voluntary reposession after a layoff in the IT market
Categories: Rebuilding Credit Tags: Cards, collections, credit, Credit Card, need-the-credit, over-the-years, time, voluntary
Trying to rebuild credit with lots of anxiety
Hello everyone, I have some questions that I hope someone out there can answer. I am in the process of fixing my credit score which is currently 598. I have paid off 3 CA yesterday and became current on 2 student loans. I do have a judgement against me from 2003. Last month I was informed they are going to start garnishing my wages 10% biweekly. My husband and I currently own our own home but the mortgage is in his name. I want to be able to buy a home next year using my name and income only. What are the chances of this happening now that I have this GD judgement on my credit? The judgement is for $1800 and they are taking around $400 per month out of my salary. Is there a way I can check my current FICO score for free at this time? Any help you can give me would be greatly appreciated!! I am so anxious to start cleaning up my credit but sometimes I just want to give up
Categories: Rebuilding Credit Tags: became-current, chances, credit, Credit Score, Current, currently-own, happening, mortgage, process, salary, start-cleaning, time
Medical Bill
I came across this site several days ago, and it has so much useful information. To all those who take time to answer the questions of people like me, I truly would like to say thanks. With that being said, I need guidance on two medical bills on my credit report. CA= IC Systems Inc - Amount Owed $13,332 - Charged off 7/9 CA= CP Credit Management - Amount Owed $575 - Charged off 2/9 I went to the emergency room and accrued these charges. At the time, I had insurance which should have covered this. I am no longer with the company. I did not know about these charges because I moved days after visiting the emergency room Is there any type of way I could get this removed from my CR? I doubt my former insurance company will settle this debt since it has been over a year. If I made payment arrangements, would that increase my score? I would only be able to commit to $50 a month. I am living check to check (like most of us) Any suggestions and guidance is greatly appreciated. Message Edited by mrgbrown on 03-10-2010 08:09 AM
Categories: Rebuilding Credit Tags: after-visiting, charged, credit, emergency, made-payment, message-edited, questions, time
How to handle these baddies ?
Collection for all baddie Creditor Name: LINDYS COLL LINDYS COLLECTION SERV Original Creditor: 11 COMCAST FDBA TIME WARNER CABLE Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $108 $108 Balance: $108 $108 Date Opened: 10/24/2008 10/2008 Da te Reported: 01/12/2009 01/12/2009 Tried PFD but collection agencies said they dont do that . What to do ?
Categories: Rebuilding Credit Tags: agencies-said, balance, cable, coll, creditor, creditor-name, fdba, original-creditor, pfd, serv, time